Disclosures

FAIR HOUSING ACT

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:

Deny a loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling, or to deny any loan secured by a dwelling; or Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan, or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

EQUAL HOUSING LENDER/EQUAL OPPORTUNITY LENDER

We are an Equal Housing Lender/Equal Opportunity Lender. As an Equal Housing Lender/Equal Opportunity Lender, we do not discriminate on the basis of race, color, national origin, religion, sex, handicap or familial status (having children under the age of 18).

HOME MORTGAGE DISCLOSURE ACT

UNDER THE HOME MORTGAGE DISCLOSURE ACT, IT IS THE DUTY OF DEPOSITORY INSTITUTIONS LIKE PUERTO RICO FARM CREDIT TO REPORT:

The number and total dollar amount of mortgage loans which were (A) originated (or for which the institution received completed applications), or (B) purchased by that institution during each fiscal year.

EQUAL CREDIT OPPORTUNITY ACT

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:

On the basis of race, color, national origin, religion, sex, marital status, or age; Because income is from public assistance; or Because a right has been exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

EQUAL OPPORTUNITY EMPLOYMENT

We are an Equal Opportunity Employer. As an Equal Opportunity Employer, we do not discriminate on the basis of race, color, religion, national origin, sex, age, marital status, disability or veteran status. It is our goal to make employment decisions that further the principle of equal employment opportunity by utilizing objective standards based upon an individual’s qualifications for a specific job opening.

INTERNET PROTECTION

Each day, Internet users are exposed to email and Internet-related fraudulent schemes, such as “phishing” (pronounced “fishing”). Phishing involves the use of seemingly legitimate email messages and websites to deceive consumers into disclosing sensitive information, such as bank or loan account information, social security numbers, credit card numbers, passwords and personal identification numbers (PINs). The perpetrator of the fraudulent email message may use various means to convince the recipient that the message is legitimate and from a trusted source with which the recipient has an established business relationship. Techniques such as a false “from” address or the use of seemingly legitimate company logos, weblinks and graphics may be used to mislead email recipients.

In most phishing schemes, the fraudulent email message will request that recipients “update” or “validate” their financial or personal information in order to maintain their accounts, and direct them to a fraudulent website that may look very similar to the website of the legitimate business. These websites may include copied or “spoofed” pages from legitimate websites to further trick consumers into thinking they are responding to a bona fide request. Some consumers will mistakenly submit financial and personal information to the perpetrator who will use it to gain access to financial records or accounts, commit identity theft or engage in other illegal acts.

We Protect Your Information

We will never send email messages that request confidential information, such as account numbers, passwords or PINs;

We will work to notify Internet service providers, domain name-issuing companies, and law enforcement to shut down fraudulent websites and other Internet resources that may be used to facilitate phishing or other e-mail and Internet-related fraudulent schemes directed towards our customers;

We will continue to monitor suspicious activity and employ additional identity verification controls;

We will offer our customers assistance when fraud is detected in connection to customer accounts; and

As needed, we will notify the proper authorities when e-mail and Internet-related fraudulent schemes are detected.

Additional Tips in Protecting Yourself from Fraud and Identity Theft

The safest approach is to immediately delete email from unknown sources, before opening the email.

Avoid clicking on any links in unsolicited email, particularly emails that ask (either directly or by pointing to a website) for personal, financial or identity information. Instead, directly type the website destination into your browser or use a trusted bookmark to verify the site or to log into your account directly.

Always access our website by using a trusted bookmark of our site or by directly typing our website address into your browser. Check to ensure you have typed the address correctly before providing personal information on the site.

When using AccountAccess, check to ensure that the padlock icon appears in your browser’s status bar. It indicates that your information is secure during transmission.

When you click on the VeriSign logo on our AccountAccess log-in page, it should take you to a site indicating that “www.farrmcredit.net” is a VeriSign Secure Site and should display the following information:

If you receive an email that warns you, with little or no notice, that an account of yours will be shut down unless you reconfirm your billing information, do not reply or click on the link in the email. Instead, contact the company cited in the email using a telephone number or website address you know to be genuine.

You may also wish to contact your internet service provider for support in blocking emails or subscribing to a “spam” or junk email filter they may offer.

Ensure your home computer has adequate anti-virus software and remember to update it frequently.

Reporting Suspicious or Fraudulent Communications and Transactions

You should promptly report suspicious activity or e-mail communications to the Federal Trade Commission (FTC). Send the actual email you received to uce@ftc.gov. If you believe you’ve been scammed, file your complaint at ftc.gov, then visit the FTC’s Identity Theft website ftc.gov/idtheft to learn how to minimize your risk of damage from identity theft.

If you receive a suspicious message that appears to be coming from us, or discover a potentially phony Puerto Rico Farm Credit website, please let us know by calling 1-800-981-3323 or by sending e-mail to PRFCinfo@puertoricofarmcredit.com so that we may take appropriate action.

WHISTLEBLOWER REPORTING

Puerto Rico Farm Credit is committed to the highest standards of ethics, integrity and legal compliance in everything we do. To ensure Puerto Rico Farm Credit continues to operate at the highest standards, we have established the Whistleblower Hotline as a communication channel to report concerns related to fraud, internal controls, accounting processes, ethical conduct, or allegations of retaliation for having reported matters in good faith. The Whistleblower Hotline is an independent, confidential and anonymous reporting mechanism for your financial and ethical concerns. If you become aware of our suspect any breach of our Code of Ethics or have complaints concerning accounting, internal controls or audit related matters, we encourage you to submit a complaint by toll–free telephone call to 1-844-321-9167.